Your Money Guide on the Side Podcast Por Tyler Gardner arte de portada

Your Money Guide on the Side

Your Money Guide on the Side

De: Tyler Gardner
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Your go-to podcast for mastering money and investing. Hosted by Tyler Gardner, a trusted influencer with over 3M followers, Your Money Guide on the Side simplifies the complex, adds nuance to what seems simple, and connects you with the brightest minds in finance, investing, and business. Whether you’re just starting or leveling up, this is your one-stop resource to navigate your own finances with clarity, confidence, and a bit of fun. Let’s get you one step closer to where you need to be.© 2025 Your Money Guide on the Side Economía Finanzas Personales Gestión y Liderazgo Liderazgo
Episodios
  • The $2 Million Plan No Advisor Wants You to See - The Details

    The $2 Million Plan No Advisor Wants You to See - The Details
    Feb 23 2026
    A simple retirement plan is easy to explain. Living with it is harder. In this episode, Tyler revisits his 90% stocks / 10% money market retirement strategy — not to defend it, but to answer the practical questions that matter: When do you cut spending? When do you increase it? How do you rebalance without overreacting? And how do you rebuild cash after a downturn without missing the recovery? This is the execution episode. In this conversation, Tyler covers: How to use guardrails to adjust spending automatically When to reduce withdrawals — and when to raise them How often to rebalance (once a year is plenty) Why you only replenish cash after markets recover How automation keeps emotions out of the process The strategy remains intentionally simple: spend from cash during downturns, rebalance annually, and let math — not headlines — drive decisions. This episode isn’t about market timing. It’s about having rules in place so you don’t panic when volatility shows up. If the original 90/10 allocation made sense to you, this episode shows you how to actually stick with it. And if the show’s been helpful, leaving a quick review on Apple or Spotify genuinely helps. Hope this gives you something to think about this week.
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    28 m
  • How to Invest $5 Million (The Only 4 Portfolios You’ll Ever Need)

    How to Invest $5 Million (The Only 4 Portfolios You’ll Ever Need)
    Feb 16 2026
    A massive "thanks," as always, to this weeks's sponsors: Anthropic: I use Claude every hour of every day to optimize my life. If you haven't explored what Claude can do for you and your business, it's time. Check out Claude today at claude.ai/tyler LMNT: I drink LMNT before and after each workout, and I have never felt better. Mango Chili and Watermelon Salt are my go-tos, and take advantage of the sampler pack, so you can find yours today. Check out LMNT before your next workout at drinklmnt.com/tyler Facet: I continue to partner with Facet in 2026 because I have yet to find a financial planning resource more fitting and cost effective for my audience. Check them out today to see where you've been leaving money on the table. Go to facet.com/tyler to learn more. And now on to the show notes! At some point, the financial industry starts telling you that once you cross a certain number — $5 million, $10 million — you need something more sophisticated. In this episode, Tyler explains why that’s mostly nonsense. After his “How to Invest $2 Million” episode, the big follow-up question was whether wealth changes the strategy. The answer: it doesn’t. The fundamentals stay the same — time horizon, asset allocation, tax efficiency, fees, and real diversification. In this episode, Tyler breaks down five portfolio options: One fund (VTI or VOO) for maximum simplicity Two funds (stocks + bonds) for risk control Target date funds for true autopilot investing The three-fund portfolio for global diversification The five-fund “2.0” version for small allocations to real estate, gold, or crypto None require hedge funds. None require private equity. None require paying 1% for unnecessary complexity. Tyler also explains why “accredited investor” status often just means you’re being sold something expensive — and why many ultra-wealthy investors still stick with index funds. This episode isn’t about leveling up your portfolio. It’s about keeping it simple — no matter how much money you have. If the show’s been helpful, leaving a quick review on Apple or Spotify genuinely helps. Hope this gives you something to think about this week.
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    33 m
  • The 3 Retirement Numbers You Actually Need

    The 3 Retirement Numbers You Actually Need
    Feb 9 2026
    If you're interested in learning more about this week's partners: Copilot Money: I rarely recommend financial apps to my friends, but after suggesting that a few of my friends (all of whom work in finance) check out Copilot Money, not only did they all sign up, but they all think it's the best money app they've seen to date. So if you want to get your financial life in order, check out Copilot Money today at try.copilot.money/tyler. Gelt: My biggest business mistake to date? Waiting too long to establish a relationship with a reliable and proactive tax strategist. I left tens of thousands on the table. If your business is consistently netting over $200k, and you're lost as to next steps, you need to check out Gelt today at joingelt.com/tyler. And on to the show notes! Most retirement advice sounds confident and means almost nothing. “Save a million.”“Ten times your salary.”“Seventy percent of your income." None of that tells you what you actually need. In this episode, Tyler walks through how to calculate your real retirement number — one based on your spending, your timeline, and the kind of life you actually want. The goal isn’t motivation. It’s clarity. Instead of vague targets, Tyler breaks retirement planning into three practical numbers: Traditional FIRE — the “never work again” number, and why it’s too extreme for most people Coast FIRE — the Goldilocks option that lets you save hard early and ease off later The bare minimum — a realistic bridge for people closer to retirement who need options, not perfection Along the way, he explains why investing matters more than saving alone, why time beats contribution size, and why conservative assumptions create flexibility instead of fear. This episode isn’t about chasing a magic number. It’s about knowing what you’re building toward — so you can stop guessing and start making decisions with confidence. If you’ve ever wondered whether you’re on track, this episode gives you a framework you can actually use. And if the show’s been helpful, leaving a quick review on Apple Podcasts or Spotify genuinely helps. Hope this gives you something to think about this week.
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    35 m
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Tyler’s down to earth discussion and his helping me to understand 1 level down - it’s a great listen for a novice like me… just enough to make me dangerous… or set for life!

I started following his short content as it showed up on my social media - and as he discusses in the podcast - it’s difficult to get across a lot in a 30 second bite size video - but those peaked my interest and got me to find the podcast here…

Very happy with the listens so far… except I walk around my neighborhood while listening… not through the woods of Vermont.

Down to earth - easy to listen to

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Tyler is great at making complex topics simple. He provides real examples & debunks myths while also addressing the psychological components of money that most ignore.

the best & easiest to understand financial podcast

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i so enjoy Tyler's teaching style. One really does not need to "google" money terms because of his down to earth approach. I listen weekly and refer back often. I do wonder what are the names his hounds?
Thank you and happy investing!

Honest & Integrity

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Absolutely love the perspective on financial matters. Very strong advice. Please keep it up! Looking forward to more !

Refreshing and intelligent

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I’m that 50 year old that just kept saving because I knew that was what I was supposed to do, but had no idea what came next. Listening to this podcast has helped me focus on realistic goals and how I can achieve them. Thanks, I can finally stop listening to all those financial advisors selling me insurance!

Great

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